Sub Prime Loans

(Less Than Perfect Credit Loans)

If you have stabilized your credit by making all of your payments on time for the past 12 months, your odds of obtaining a home loan with little to no down payment and an interest rate between 7% and 9% with no prepayment penalty are very good.

Apply Now under the following conditions:

Bankruptcies

• Should be 2 years from date of discharge

• No late payments in the last 12 months

Consumer Credit Counseling

• Should be more than 2 years since start

• No late payments in the last 12 months

• If still active, need permission from counseling service

Foreclosures

• Should be more than 3 years old

• No late payments in the last 12 months

Repossessions

• Should be more than 2 years old

• No late payments in the last 12 months

Late Payments

• No more than 3 in the last 12 months

WHAT IF I'VE BEEN TURNED DOWN BY OTHERS?

No problem! We have successfully assisted hundreds of people like yourself even if you have been turned down elsewhere. You're not alone. Act Home Loan has a high approval rate for people with less than perfect credit.

HOW DO I GET STARTED?

It's as easy as 1-2-3! Simply complete the loan application in the comfort and privacy of your own home. Click and submit. It's that simple.

Loan Programs

Best Possible Loan - Not sure what type of loan to apply for? Use this application and we'll help you decide which loan program would be the best solution for your individual situation.

Refinance, Cash Out, 125% Equity, & 2nd Mortgages - Interest rates are low! Which makes now the best time to take advantage of the equity in your home! Refinance your home and save every month while pulling cash out! Click Here for more refinance information.

Home Improvement Loan - Time to Remodel but don't have the cash? Apply for a low-interest home improvement loan. They are an easy way to have the home of your dreams.

Debt Consolidation - Some loans, like our debt consolidation program, could save you hundreds every month, while reducing your yearly tax burden. (consult your tax professional)

New Home Purchase - You have searched through realtors and the homes they currently have for sale and you found the home of  your dreams. Now it's time to make that dream a reality!

Pre-Qualify For a Loan - See how much you qualify for. Before you go shopping for a home you want to know that you have the buying power to negotiate a good deal and to know how much you qualify for.

FHA Loans -  A government loan guarantee program for 1st time home buyers with little or no money down. Liberal qualifying terms make this an attractive program. Ask your broker the details or see the U.S. Department of Housing and Urban Development. More Info

VA Loans - The Veteran's Administration will guarantee home loans for those men and women who have or are serving in the military. Up to 100% of the home's purchase price can be financed which means little or no money down! There are strict limitations on fees that can be charged. Check with the Department of Veterans Affairs for more information. More Info

Problem Credit & Low Income - Is problem credit or low income keeping you from buying your first home or consolidating your debts? Then let us help you. We work with all types of credit to get you the best loan and rates available! More Info